# TIDEWATER MORTGAGE SERVICES, INC.

> **Canonical URL:** https://saferate.com/lenders/tidewater-mortgage-services


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


TIDEWATER MORTGAGE SERVICES, INC. is a independent mortgage company, headquartered in VIRGINIA BEACH, VA, serving borrowers across 12 states, with 1,476 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 70% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493005R34FLBMCPWB41
- **Headquarters:** VIRGINIA BEACH, VA
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** DC, DE, FL, GA, MD, NC, NJ, PA, SC, TN, VA, WV
- **Markets (MSAs):** 18
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.295%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,000
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,476
- **Dollar Volume:** $454 million
- **Applications Received:** 1,935
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $307,879
- **Average Borrower Income:** $122,587
- **Average Property Value:** $391,951

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 815 | +0.301% | $2,830 | Strong 😀 |
| FHA | 75/100 | 369 | +0.659% | $3,037 | Strong 😀 |
| VA | 77/100 | 264 | -0.241% | $3,586 | Strong 😀 |
| USDA | 77/100 | 27 | +0.435% | $2,152 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 795 loans, Score: 69/100 (Strong)
- Refinance: 20 loans, Score: 31/100 (Acceptable)

**FHA:**
- Purchase: 362 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 264 loans, Score: 77/100 (Strong)

**USDA:**
- Purchase: 27 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 72/100 | 1,449 | $446M | +0.310% | Strong 😀 |
| Refinance | 31/100 | 27 | $8M | -0.179% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 584 | 0.54% | 84/100 |
| PA | 288 | 0.24% | 74/100 |
| SC | 202 | 0.25% | 73/100 |
| FL | 118 | 0.04% | 57/100 |
| NC | 101 | 0.07% | 59/100 |
| DE | 69 | 0.48% | 64/100 |
| MD | 45 | 0.06% | 53/100 |
| WV | 36 | 0.23% | 57/100 |
| NJ | 29 | 0.03% | 48/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Virginia Beach | VA-NC | 461 | 88/100 |
| Non |  | 250 | 64/100 |
| Myrtle Beach | SC | 188 | 84/100 |
| Richmond, VA | VA | 95 | 70/100 |
| Harrisburg | PA | 64 | 71/100 |
| Tampa, FL | FL | 60 | 60/100 |
| Wilmington, NC | NC | 27 | 56/100 |
| Wilmington, DE |  | 25 | 52/100 |
| York | PA | 25 | 53/100 |
| Dover, DE | DE | 23 | 57/100 |
| St. Petersburg | FL | 23 | 52/100 |
| Chambersburg, PA | PA | 20 | 58/100 |
| Lakewood | NJ | 20 | 47/100 |
| Winchester, VA | VA-WV | 17 | 53/100 |
| Philadelphia, PA | PA | 11 | 41/100 |

## Where This Lender Ranks

TIDEWATER MORTGAGE SERVICES, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#11** in Myrtle Beach for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/myrtle-beach/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#11** in Chambersburg, PA Mortgage Companies
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/mortgage-companies)
- 🏆 **#13** in Virginia Beach Mortgage Companies
  - [View Full Rankings](https://saferate.com/virginia-beach/best-mortgage-lenders/mortgage-companies)
- 🏆 **#13** in Virginia Beach for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/virginia-beach/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#13** in Chambersburg, PA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#14** in Myrtle Beach Mortgage Companies
  - [View Full Rankings](https://saferate.com/myrtle-beach/best-mortgage-lenders/mortgage-companies)
- 🏆 **#14** in Chambersburg, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/fha-loans)
- 🏆 **#14** in Greenville, NC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/greenville-nc/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#15** in Chambersburg, PA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#16** in West Virginia for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#17** in Chambersburg, PA
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders)
- 🏆 **#18** in Myrtle Beach for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/myrtle-beach/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#18** in Myrtle Beach for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/myrtle-beach/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#19** in Dover, DE Mortgage Companies
  - [View Full Rankings](https://saferate.com/dover-de/best-mortgage-lenders/mortgage-companies)
- 🏆 **#20** in Pennsylvania for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/mortgage-companies/usda-loans)

## Frequently Asked Questions

### What loan types does TIDEWATER MORTGAGE SERVICES, INC. offer?

TIDEWATER MORTGAGE SERVICES, INC. offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TIDEWATER MORTGAGE SERVICES, INC. offer mortgages?

TIDEWATER MORTGAGE SERVICES, INC. offers mortgages in 12 states: DC, DE, FL, GA, MD, NC, NJ, PA, SC, TN, VA, WV.

### How competitive are TIDEWATER MORTGAGE SERVICES, INC.'s mortgage rates?

TIDEWATER MORTGAGE SERVICES, INC. has a pricing score of 30/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.295% above market average.

### What type of lender is TIDEWATER MORTGAGE SERVICES, INC.?

TIDEWATER MORTGAGE SERVICES, INC. is a non-depository lender that specializes in mortgage origination, headquartered in VIRGINIA BEACH, VA.

### What is TIDEWATER MORTGAGE SERVICES, INC.'s loan approval success rate?

TIDEWATER MORTGAGE SERVICES, INC. has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/tidewater-mortgage-services

### How to Cite

> "TIDEWATER MORTGAGE SERVICES, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/tidewater-mortgage-services

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